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    Credit union mortgage rates
    Home state: Michigan
    Lends in 2 states

    ORSA mortgage rates

    ORSA's lowest publicly advertised 30-year fixed rate today is 6.956% APR — the national average is 7.115%. That's about $15,399 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read ORSA's rates every weekday, starting around 11 a.m. Central.

    We last read ORSA's rates page on Nov 5, 2026. ORSA dates its published rate sheet Nov 5, 2026.

    Today's rates from ORSA

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.956%1Nov 5, 2026Visit
    15 Year Fixed6.375%6.648%0.625Nov 5, 2026Visit
    5 Year ARM5.625%6.898%2Nov 5, 2026Visit
    7 Year ARM5.75%6.769%2Nov 5, 2026Visit
    Visit ORSA's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

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    Who can join ORSA

    Membership is open to anyone who lives, works, worships, or attends school anywhere in the state of Michigan or in several specific Ohio counties, including Fulton, Henry, Lucas, Ottawa, Sandusky, and Wood. Immediate family members of current members and Michigan-based businesses are also eligible to join.

    County
    Fulton County, OH, Henry County, OH, Lucas County, OH, Ottawa County, OH, Sandusky County, OH, Wood County, OH

    Where ORSA writes mortgages

    ORSA publishes mortgage lending in 2 states.

    MichiganOhio

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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